The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$33,807
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,858
−HK$1,069/mo
Today · 4.125%
HK$35,927
baseline
▲ 0.50% · 4.625%
HK$38,113
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,854/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,609
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,618
−HK$1,023/mo
Today · 4.125%
HK$39,641
baseline
▲ 0.50% · 4.625%
HK$41,731
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,282/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,568
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,830
−HK$1,282/mo
Today · 4.125%
HK$43,112
baseline
▲ 0.50% · 4.625%
HK$45,735
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,224/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,131
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,342
−HK$1,228/mo
Today · 4.125%
HK$47,570
baseline
▲ 0.50% · 4.625%
HK$50,077
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,140/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,329
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,801
−HK$1,496/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$53,358
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,594/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,653
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,433/mo
Today · 4.125%
HK$55,498
baseline
▲ 0.50% · 4.625%
HK$58,423
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,996/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,852
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,745
−HK$1,923/mo
Today · 4.125%
HK$64,668
baseline
▲ 0.50% · 4.625%
HK$68,603
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,336/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,697
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,513
−HK$1,842/mo
Today · 4.125%
HK$71,355
baseline
▲ 0.50% · 4.625%
HK$75,116
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,710/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,967 · Scale 2, in force from 26 Feb 2026)